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Credit cards with high limits are a consumer's reward for achieving excellent credit and a sterling credit history.

High limit credit cards are especially useful for a number of reasons, and are generally reserved for good-to-excellent credit consumers. This is according to the popular credit card comparison website Creditnet.com, who today released its list of the top three high limit credit cards.

Creditnet Vice President Jason Bushey explained one of the benefits of high limit credit cards: "High limit credit cards are valuable because they add significantly to a consumer's available credit line. This in turn lowers a consumer's almighty credit utilization ratio, which is a big factor when calculating credit scores."

According to Creditnet, high limit cards can improve credit scores while consolidating spending. "High limit credit cards allow consumers to put most purchases on one card, making it easier to track due dates and balances," said Bushey.

Creditnet advises that credit limits vary based on a consumer's creditworthiness, and a high credit line is never guaranteed when applying for a credit card, nor is approval. Also, credit cards that have high limits are often reserved for consumers with excellent credit only.

Here are Creditnet's top three high-limit credit cards available for consumers today:

The Discover it Card is one of the top high limit credit cards available to consumers, and it goes far beyond the high credit lines generally attached to this card.

Cardholders earn 5% cash back on up to $1,500 in purchases in categories that rotate each quarter. The card also features a 0% APR introductory period for 14 months on both purchases and balance transfers. In addition, there is no annual fee to use the card, and Discover will not charge cardholders any overlimit fees or foreign transaction fees. Cardholders are also not subject to a late fee on their first late payment, and paying late will not raise the cardholder's interest rate.

This excellent credit card from BarclayCard® is less known for its high credit limits than it is its excellent rewards; this card rewards members with a $50 statement credit after a cardholder's first purchase or balance transfer.

This card also includes an introductory period of 0% on purchases and balance transfers for 12 months, and points can be redeemed on flights, shopping, dining and more.

Another excellent credit card for people hoping to take advantage of a high credit limit, the Discover it - 18 Month Balance Transfer Card is one of the most well-reviewed credit cards on the market today.

Along with an above-average credit limit, consumers that are approved for this card will earn 5% cash back on up to $1500 spent in rotating categories and 1% cash back on all other purchases. There are no annual fees, overlimit fees, or foreign transaction fees, and cardholders receive free FICO credit scores on all monthly statements.

The card also offers a 0% introductory APR on balance transfers for 18 months and a 0% intro APR on purchases for 6 months.

About Creditnet:
Creditnet.com is a leading authority on credit card reviews, credit repair tips and debt management. Creditnet is free for users, and is home to one of the web's oldest credit discussion forums, Credit Talk.